What is the difference between an authorised EMI, a small EMI and a PI?

An authorised EMI can issue e-money without a volume cap and, in the EEA, can passport its services into other member states. A small EMI operates below a regulatory threshold for average outstanding e-money, carries lighter requirements and cannot passport. A payment institution (PI) is authorised to provide payment services but cannot issue e-money.

How are the listings in this directory verified?

Every entry is cross-checked against the issuing regulator's own public record — the FCA Financial Services Register in the UK and the EBA EUCLID register across the EEA. Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.

Is money held with an EMI protected like a bank deposit?

No. E-money is not covered by a deposit-guarantee scheme such as the UK's Financial Services Compensation Scheme. Instead, EMIs must safeguard customer funds by holding them separately from the firm's own money, so that balances can be returned to customers if the firm fails.

How current is the data?

Listings are re-checked against the competent-authority registers on a weekly cadence, and each record shows when it was last verified.

EMI register: licensed e-money institutions

699 institutions · EMI · active

Every authorised e-money institution across the UK and the EEA, each cross-checked against the FCA Financial Services Register and the EBA EUCLID register. Filter by licence type, live status or EEA passporting, or search by firm name and reference number.

Licence:

All EMI Small EMI Exempted EMI PI

Status:

All Active Defunct Withdrawn Inactive

Passporting:

All With EEA passport

VerifiedFCA 926498

KP Pay Limited

EMI · United Kingdom

Verified active. KP PAY LIMITED holds a current United Kingdom e-money licence. Its authorisation covers safeguarding of customer funds, issuance of electronic money and distribution and redemption of electronic money.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 115.1.3.66

LA Orange CY Limited

EMI · Cyprus

Verified active. LA ORANGE CY LIMITED holds a current Cyprus e-money licence. The licence, reference number 115.1.3.66, is issued by the Central Bank of Cyprus.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 42457590

Larstal Denmark ApS

EMI · Denmark

Verified active. Larstal Denmark ApS holds a current Danish e-money licence as confirmed by the Danish Financial Supervisory Authority.

Cross-border reachMulti-market
Service scopeSpecialist
Reader rating4.2

Active

VerifiedFCA 901001

Larstal Limited

EMI · United Kingdom

Verified active. Larstal Limited holds a current UK e-money licence issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Active

VerifiedFCA W000000018

LianLian Europe S.A.

EMI · Luxembourg

Verified active. LianLian Europe S.A. holds a Luxembourg e-money licence, authorised by the Commission de Surveillance du Secteur Financier.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 08658331007

Lis Pay SPA

EMI · Italy

Verified active. LIS PAY SPA holds a current Italian e-money licence issued by Banca d'Italia.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA C186257

Lumon

EMI · Ireland

Verified active. Lumon FX Europe Limited holds a current Irish electronic money licence. Its authorisation covers issuing payment instruments and acquiring payment transactions.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.4

Active

VerifiedFCA 902022

Lumon Pay Ltd

EMI · United Kingdom

Verified active. LUMON PAY LTD holds a current UK e-money licence under reference 902022, authorising safeguarding of customer funds, issuance of electronic money, and distribution and redemption of electronic money.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Active

VerifiedFCA 900929

Luxon Payments Limited

EMI · United Kingdom

Verified active. Luxon Payments Limited registered as an electronic money institution with the FCA (reference 900929) on 3 September 2019.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating3.0

Active

VerifiedFCA 900153

Lycamoney Financial Services Ltd

EMI · United Kingdom

Active status: Lycamoney Financial Services Ltd holds a current United Kingdom electronic money licence (reference 900153) authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 534479589

Lydia Solutions

EMI · France

Verified active. LYDIA SOLUTIONS holds a French e-money licence issued by the Autorité de Contrôle Prudentiel et de Résolution.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.1

Active

VerifiedFCA 330623414

LYF

EMI · France

Verified active. LYF, registered in France, is authorised by the Autorité de Contrôle Prudentiel et de Résolution.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 927556

Maayan Payments Ltd

EMI · United Kingdom

Verified active. MAAYAN PAYMENTS LTD is listed on the UK register as an electronic money institution authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA 901017

Madfin Tech Ltd

EMI · United Kingdom

Verified active. MADFIN TECH LTD holds a current UK e-money licence (reference 901017) issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA W00000005

Mangopay S.A.

EMI · Luxembourg

Verified active. MANGOPAY S.A. holds a Luxembourg e-money licence issued on 31 December 2012 by the Commission de Surveillance du Secteur Financier.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.1

Active

VerifiedFCA 984753

Mangopay U.K. Limited

EMI · United Kingdom

Verified active. MANGOPAY U.K. LIMITED is authorised by the UK Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 1032863

Map E-Pay Solutions Limited

EMI · United Kingdom

Verified active. MAP E-PAY SOLUTIONS LIMITED holds a current UK e-money licence, authorised by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 808389191

Market Pay

EMI · France

Verified active. MARKET PAY holds a current French e-money licence (reference 808389191) issued by the Autorité de Contrôle Prudentiel et de Résolution.

Cross-border reachMulti-market
Service scopeMulti-service
Reader rating4.0

Active

VerifiedFCA 1018989

Martrust Corporation Limited

EMI · United Kingdom

Verified active. MARTRUST CORPORATION LIMITED holds a current UK e-money licence 1018989, granted 27 August 2025.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Active

VerifiedFCA 7501

Martrust Europe, S.A.

EMI · Portugal

Verified active. MARTRUST EUROPE, S.A. holds a Portuguese e-money licence granted 1 March 2023.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.6

Active

VerifiedFCA C 107685

Mellifera Kartiera Limited

EMI · Malta

Verified active. MELLIFERA KARTIERA LIMITED, licensed by the Malta Financial Services Authority, holds licence C 107685.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating3.8

Active

VerifiedFCA W00000003

Mercedes pay S.A.

EMI · Luxembourg

Verified active. Mercedes pay S.A. is licensed as an electronic money institution by the Commission de Surveillance du Secteur Financier, Luxembourg.

Cross-border reachMulti-market
Service scopeSpecialist
Reader rating4.2

Active

VerifiedFCA 900858

Mercury Foreign Exchange Limited

EMI · United Kingdom

Verified active. Mercury Foreign Exchange Limited holds a current UK e-money licence (FCA 900858).

Cross-border reachDomestic
Service scopeSpecialist
Reader rating5.0

Active

VerifiedFCA 911052827

Merge Money

EMI · France

Verified active. MERGE MONEY holds a current French e-money licence, regulated by the Autorite de Controle Prudentiel et de Resolution.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating3.9

Active

VerifiedFCA R202009

Mews Financial Services B.V.

EMI · Netherlands

Verified active. Mews Financial Services B.V. holds a current licence issued by De Nederlandsche Bank under reference R202009.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 115.1.3.34

MGL Wallet Limited

EMI · Cyprus

Verified active. MGL WALLET LIMITED holds a current licence (ref 115.1.3.34) issued by the Central Bank of Cyprus.

Cross-border reachPan-European
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA C64824

Mifinity Malta Limited

EMI · Malta

Verified active. MIFINITY MALTA LIMITED holds a current Malta e-money licence with reference C64824.

Cross-border reachPan-European
Service scopeMulti-service
Reader rating3.8

Active

VerifiedFCA 900090

MiFinity UK Limited

EMI · United Kingdom

Verified active; MiFinity UK Limited holds a UK electronic money licence, authorised by the Financial Conduct Authority under reference 900090.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900704

MIR Limited UK Ltd

EMI · United Kingdom

Verified active. MIR Limited UK Ltd holds a current UK e-money licence 900704 issued by the Financial Conduct Authority.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 38292188

Mobilepay Denmark A/S

EMI · Denmark

Verified active. Mobilepay Denmark A/S holds a current Danish e-money licence (DK-38292188) granted on 1 September 2017.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA 29122108

MobilePay Finland Oy

EMI · Finland

Verified active. MobilePay Finland Oy holds a current Finnish EMI licence, granted 15 November 2019.

Cross-border reachDomestic
Service scopeMulti-service

Active

VerifiedFCA R182870

Modulr

EMI · Netherlands

Verified active. Modulr Finance B.V. holds a current Dutch e-money licence (R182870). It is authorised to execute payment transactions on a payment account.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.2

Active

VerifiedFCA C191242

Modulr

EMI · Ireland

Verified active. Modulr FS Europe Limited holds an Irish e-money licence registered by the Central Bank of Ireland.

Cross-border reachDomestic
Service scopeSpecialist

Active

VerifiedFCA 900573

Modulr FS Limited

EMI · United Kingdom

Verified active. Modulr FS Limited holds a current UK e-money licence as recorded by the FCA.

Cross-border reachDomestic
Service scopeSpecialist
Reader rating4.0

Active

VerifiedFCA F0038

Mollie B.V.

EMI · Netherlands

Verified active. Mollie B.V. holds a current Dutch e-money licence with De Nederlandsche Bank, reference F0038, granted 3 February 2025.

Cross-border reachPan-European
Service scopeFull-service
Reader rating4.0

Active

VerifiedFCA 881431415

Mon Ami Poto

EMI · France

Verified active. MON AMI POTO holds a French e - money licence from the Autorite de Controle Prudentiel et de Resolution.

Cross-border reachDomestic
Service scopeSpecialist

Active

About this directory

An e-money institution (EMI) is a firm authorised to issue electronic money and to provide payment services such as payment accounts, cards and transfers. In the UK these firms are authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011; across the EEA they are authorised by a national competent authority under the E-Money Directive and listed in the European Banking Authority’s central register.

This directory brings those separate registers into one place. Each entry records the firm’s licence type — authorised EMI, small EMI or payment institution — its home regulator, reference number and current authorisation status, and is re-checked against the source register on a weekly cadence. Listings whose licence has been withdrawn, lapsed or suspended are flagged or filtered out rather than left to go stale.

Frequently asked questions

What is an e-money institution (EMI)?: An e-money institution is a firm authorised to issue electronic money — a digital store of prepaid funds — and to provide related payment services such as payment accounts, cards and transfers. In the UK, EMIs are authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011; across the EEA they are authorised by their national competent authority under the E-Money Directive and recorded in the European Banking Authority's central register.
What is the difference between an authorised EMI, a small EMI and a PI?: An authorised EMI can issue e-money without a volume cap and, in the EEA, can passport its services into other member states. A small EMI operates below a regulatory threshold for average outstanding e-money, carries lighter requirements and cannot passport. A payment institution (PI) is authorised to provide payment services but cannot issue e-money.
How are the listings in this directory verified?: Every entry is cross-checked against the issuing regulator's own public record — the FCA Financial Services Register in the UK and the EBA EUCLID register across the EEA. Firms whose licence has been withdrawn, lapsed or suspended are flagged or removed at the next sync, so the directory reflects live authorisation status rather than a one-off snapshot.
Is money held with an EMI protected like a bank deposit?: No. E-money is not covered by a deposit-guarantee scheme such as the UK's Financial Services Compensation Scheme. Instead, EMIs must safeguard customer funds by holding them separately from the firm's own money, so that balances can be returned to customers if the firm fails.
How current is the data?: Listings are re-checked against the competent-authority registers on a weekly cadence, and each record shows when it was last verified.